Business insurance for
Photographers

As a professional photographer, insurance that covers you and your equipment means even though you’re the person in charge, you’re never really alone. Running your own business is challenging and rewarding, but it’s also time-consuming and stressful, so it’s important to know that while you’re managing the day-to-day and planning for the future, you’re covered for the unexpected too.

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Getting insurance as a photographer

When you’re hired for a photo shoot, you’ll work with your clients to carefully plan the key moments that need to be captured. But things don’t always go to plan on the day. Sometimes the images aren’t what the client wanted, logistical problems could get in the way and your equipment could be accidentally damaged or stolen. Hiscox photographer insurance provides peace of mind for you and for your clients, whatever happens.

Why insurance matters for photographers

Not being on the same page

Photoshoots occasionally go wrong – as a professional, you’ll go through the plans with your client several times, but there’s always the chance that the results aren’t what they wanted. If it turns out that there’s a misunderstanding or a discrepancy with something you thought was agreed, you might find the client takes legal action against you.

Dealing with the unexpected

As a photographer, it’s highly likely that you spend a lot of time travelling between jobs. You can’t always account for traffic or for being let down by public transport and while that’s the same for any profession, as a photographer, it could mean you end up missing vital moments. If you miss the cake cutting at a client’s wedding, whether it’s your fault or not, they may well make a claim against you.

Lost or stolen equipment

Camera equipment is the most important part of your set-up. If it’s stolen from your car on the way to a location shoot, or it’s damaged in an accident, your entire business is at risk. Photography equipment insurance means Hiscox will be there to help with the cost of replacements or repairs.

Not sure what you need?

If you’re not sure what you need, tell us a little more about your business. We’ll help you to build your quote and explore any other insurance needs.

Key types of insurance for photographers

Professional indemnity insurance

If you provide any kind of professional service, you run the risk of running into misunderstandings with your clients. Protecting your reputation is really important and even if something isn't your fault, you could still face the hassle of having to fight a compensation claim from an unhappy customer. Putting professional indemnity insurance in place takes away some of the headache of fighting your corner and helps you with your costs too.

Public liability insurance

Unfortunately accidents happen sometimes, and not just to you. If you’re on location in a public space or a client trips and injures themselves in your studio, you could be facing a compensation claim. You could also be expected to pay for damage to their belongings if they claim that you or someone who works with you was responsible. Photographer insurance provides public liability coverage to protect you if something goes wrong.

Portable equipment insurance

Being a professional photographer requires skill and expertise, but it also involves a lot of expensive, delicate and specialist equipment. If any of your gear is broken or stolen, it’s not just an inconvenience, it may well be that you can’t work without it, which means no income and some disappointed clients. We’ll make sure you’re covered for repairs or replacements and that you get back on track as quickly as possible.

These are just some of the types of business insurance for professional photographer that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact requirements of your business.